Tools
Financial Calculators
Every calculator comes with detailed explanations, real-world examples, and further reading articles.
Mortgage Calculator
Monthly payment, stress test, and income requirements — instant results.
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Compound Interest Calculator
Visualise investment returns and the true power of compounding.
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MPF Calculator
Mandatory and voluntary MPF contribution comparison.
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Salaries Tax Calculator
Automatic allowances and tax band calculation — essential for tax season.
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Rates Calculator
Calculate quarterly rates and government rent from rateable value.
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Personal Assessment Calculator
Combine salary, business profits, and rental income for tax.
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Profits Tax Calculator
Estimate profits tax for sole prop, partnership, and limited company.
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Fixed Deposit Comparison
Compare Hong Kong bank time deposit rates in real time.
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Retirement Savings Calculator
Set your retirement goal and calculate monthly savings needed.
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DCA Calculator
Simulate monthly stock/ETF investment returns.
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Rental Yield Calculator
Calculate rental yield, cash flow, and ROI on property.
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Remortgage Calculator
Compare old vs new mortgage plans including rebates and penalties.
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Stock Total Return Calculator
Factor in dividends, reinvestment, and fees.
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Savings Goal Planner
Set life goals — home, wedding, education — and calculate monthly savings needed.
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Stock Valuation Calculator
PE/PB/DDM/Graham four-method valuation.
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IPO Valuation Calculator
P/S ratio analysis to evaluate IPO pricing.
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TU Credit Score Estimator
6 questions to estimate your credit rating A–J.
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Credit Card Min Pay Calculator
See the true cost of only paying the minimum.
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Forex Converter
Live exchange rates for 17 major currencies.
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Precious Metals ROI Calculator
Calculate profit/loss on gold and silver investments.
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FIRE Financial Independence Calculator
4% rule — calculate your early retirement target.
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Insurance Needs Estimator
Estimate life, CI, and medical insurance coverage.
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Buy vs Rent Comparison
Analyse the long-term wealth impact of buying vs renting.
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Education Fund Calculator
Kindergarten to university — how much to save.
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Personal Finance Analysis
Budget balance, assets vs liabilities, financial health score.
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Expense Tracker
Track daily spending with category breakdown and pie charts.
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Startup Cost Calculator
Estimate launch costs and monthly operating expenses.
CalculateHow to Use FinKit Tools
All FinKit calculators are free to use — no app download or account registration required. Simply open your browser, pick the tool you need, enter your numbers, and see instant results. Here are a few key things to know:
1. Instant Results, No Waiting
All calculations run in real time in your browser. Enter a number and see the result immediately — no need to click "Calculate" or wait for a server response.
2. Daily Auto-Updated Data
For tools that rely on market data (e.g., fixed deposit rates, forex rates, precious metals prices, mortgage rates), data is automatically updated daily from official sources to reflect the latest market conditions.
3. Every Tool Comes with a Guide
Each calculator links to an in-depth educational article. Not sure about the concept? Click through to learn the full financial concept from the ground up.
4. Privacy Protected
All numbers you enter stay in your browser and are never uploaded to any server. We don't collect, store, or share your personal financial data.
5. Continuously Updated
The FinKit team regularly updates all calculator parameters to reflect changes in Hong Kong regulations (e.g., tax band adjustments, MPF contribution cap revisions, mortgage policy changes), ensuring accurate results. We're also constantly launching new tools and articles.